1. Credit card limit, also known as credit card available limit, refers to the maximum amount you can use a credit card, including the credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited in the credit card.

2. The amount of any credit card depends on the effective income and asset guarantee value provided by the individual during the application process. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.